Critical Illness

Great Eastern Critical Care Advantage: Comprehensive Protection Against Critical Illnesses

In today's world, where medical advancements have significantly improved survival rates for critical illnesses, it's more important than ever to have a financial safety net that supports you through all stages of recovery. Great Eastern's Critical Care Advantage is designed to do just that, offering comprehensive coverage that starts from the earliest stages of critical illness detection. Let's dive deep into what this plan offers and how it can benefit you.

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What is Critical Care Advantage?

Critical Care Advantage is a critical illness insurance plan that provides coverage across three stages of illness - early, intermediate, and critical . Unlike traditional critical illness plans that only pay out at advanced stages, this plan offers financial support from the moment an illness is detected, giving you a crucial early advantage in your recovery journey.

Key Benefits That Set Critical Care Advantage Apart

Comprehensive Stage-Based Coverage

Covers up to 85 medical conditions across 37 different critical illnesses . Provides payouts at Early, Intermediate, and Critical stages.

High Payout Amounts

Up to S$300,000 for Early and Intermediate stages combined . Total coverage of up to S$3 million .

Special Benefits

Additional coverage for 7 Special Benefits, with payouts up to S$185,000 .

Flexible and Affordable

Policy terms up to age 85. Entry age from 1 to 65 years old. Coverage from S$50,000 to S$3 million. Premiums start from as low as S$172.55 per month .

No Waiting Period Between Claims

Multiple claims allowed across different illnesses or stages.

Short Survival Period

Only 7 days , one of the shortest in the market.

Detailed Breakdown of Coverage

Stage-Based Payouts

Early Stage: 100% of sum assured (capped at S$100,000) b>Intermediate Stage: 100% of sum assured (capped at S$200,000) b>Critical Stage: 100% of sum assured

Special Benefits

Includes Diabetic Complications, Severe Rheumatoid Arthritis, Severe Osteoporosis with Fractures, Severe Dengue Haemorrhagic Fever, Systemic Lupus Erythematosus, Crohn's Disease, and Cancer Recovery. Each pays out 25% of sum assured, capped at S$25,000 (except Cancer Recovery).

List of Covered Critical Illnesses

The plan covers 37 critical illnesses , including Major Cancers, Heart Attack, Stroke, Kidney Failure, Major Organ Transplantation, Alzheimer's Disease, Parkinson's Disease, and Multiple Sclerosis.

How It Works: A Real-Life Scenario

Let's consider a hypothetical scenario to understand how Critical Care Advantage works in practice. Imagine you've purchased a policy with a sum assured of S$500,000 .

1st Claim: Severe Dengue Haemorrhagic Fever (Special Benefit)br>Payout: S$25,000br>Remaining Coverage: S$500,000

2nd Claim: Early Stage Major Cancerbr>Payout: S$100,000br>Remaining Coverage: S$400,000br>Benefit: All future premiums are waived

3rd Claim: Cancer progresses to Intermediate Stagebr>Payout: S$200,000br>Cancer Recovery Benefit: S$10,000br>Remaining Coverage: S$200,000

4th Claim: Cancer reaches Critical Stagebr>Payout: S$200,000br>Cancer Recovery Benefit: S$25,000br>Policy Terminates

Total Payout: S$560,000 on a S$500,000 policy

Why Choose Critical Care Advantage?

Early Financial Support

The plan's early-stage payouts allow you to seek treatment promptly, potentially improving your chances of recovery.

Comprehensive Coverage

With 85 medical conditions covered across 37 critical illnesses, you're protected against a wide range of health risks.

Multiple Claim Feature

The ability to claim multiple times without waiting periods ensures continuous financial support throughout your recovery journey.

Affordability

Starting from just S$172.55 per month, the plan offers extensive coverage at an accessible price point.

Long-Term Protection

With policy terms available up to age 85, you can secure long-lasting protection.

Why Compare GE Critical Care Advantage with other Critical Illness Options through Whatins?

Traditional Approach

  • Limited visibility into critical illness definitions
  • Single insurer's critical illness criteria
  • May miss important coverage distinctions

Whatins Advantage

  • Compare critical illness definitions across insurers
  • Understand early, intermediate, and late stage differences
  • See how different critical illness plans complement each other
  • Compare exclusions and waiting periods

Things to Consider

While Critical Care Advantage offers comprehensive protection, it's important to consider:

  1. Premium Increases: Premiums are not guaranteed and may increase based on future experience.
  1. Early Termination: Surrendering the policy early may result in receiving less than the total premiums paid.
  1. Replacement Risks: It's generally not advisable to replace an existing health plan with a new one without careful consideration.

Conclusion

Great Eastern's Critical Care Advantage offers a comprehensive and flexible approach to critical illness protection. By providing coverage from the earliest stages of illness detection and offering multiple claim options, it aims to give you the financial support needed to focus on recovery. However, as with any insurance decision, it's crucial to carefully consider your personal needs, budget, and existing coverage before making a choice.

Ready to explore your critical illness coverage options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on critical illness insurance . These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your health and financial security. Don't leave your protection to chance – get the expert advice you deserve today.

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